Search found 5345 matches

by HueyLD
Tue Jan 23, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mango Money: 1099-INT Incorrect?
Replies: 7
Views: 456

Re: Mango Money: 1099-INT Incorrect?

[quote=pancake19 post_id=3737230 time=1516721354 user_id=50571They issued their 1099-INT this week, but I noticed that they included the interest payment paid on January 2, 2018. I emailed support and they said this is correct, because that interest payment was for the balance held during the course...
by HueyLD
Tue Jan 23, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Microsoft [Frustration update to Windows 10]
Replies: 21
Views: 1214

Re: Microsoft [Frustration update to Windows 10]

Question for the OP - who is the maker of the computer? Is it HP?

I had to get rid of my brand new HP laptop because it had trouble doing Windows update.
by HueyLD
Tue Jan 23, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Tax preparation amount charged
Replies: 16
Views: 952

Re: Tax preparation amount charged

It is not that hard to find a good CPA if you are willing to pay to the north of $1,000 for more than tax prep. Due to competition from retail tax software, most CPA firms (except the very small ones) in my area have set a minimum price of $1,000+ for individual returns unless they are already maint...
by HueyLD
Mon Jan 22, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1339

Re: Elder Care Issue; Non-emergency assistance

How did firemen get into their house? Kicking down the door?
by HueyLD
Mon Jan 22, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1339

Re: Elder Care Issue; Non-emergency assistance

Based on my experience and what I observed in others, the elderly parents typically do not want to move out of their home, but they likely have to move closer to a family member after one or two of such episodes. Of course your parent can call 911, but the charge may be very high. Do they have frien...
by HueyLD
Mon Jan 22, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer money to family members to take advantage of lower tax rates
Replies: 30
Views: 2674

Re: Transfer money to family members to take advantage of lower tax rates

Gifting before the donor is dead: the donee's basis is the same as the donor's basis or the FMV depending on the situation.

See https://www.irs.gov/faqs/capital-gains- ... f-home-etc
by HueyLD
Mon Jan 22, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Social Security website
Replies: 10
Views: 982

Re: Social Security website

The ssa.gov site is up and running as usual.

However, the mysocialsecurity.gov site is still down, probably due to routine maintenance lasting longer than usual.
by HueyLD
Mon Jan 22, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: If wanting to keep separate property separate, should I file "Married but Filing Separate"
Replies: 4
Views: 655

Re: If wanting to keep separate property separate, should I file "Married but Filing Separate"

The Forbes’ article is totally worthless. You do not need to file a separate return to keep your separate properties separate. Filing a separate return in a community property state is very complicated and you still have to report half of your spouse’s communiy income. If you are serious and very in...
by HueyLD
Mon Jan 22, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Social Security website
Replies: 10
Views: 982

Re: Social Security website

I went to the SS website for the first time in maybe a year, and found that it says it normally is not open 24/7 any more? Anyone know what that's about? It's not like they need humans if someone wants to read information at 2am. I assume the fact that it is not open now even though it is within it...
by HueyLD
Sun Jan 21, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Anyone donated a car to charity?
Replies: 22
Views: 939

Re: Anyone donated a car to charity?

This topic comes up with frequency, and here's my perennial answer: * Donate your car to the school district's industrial arts program. * Future mechanics will spend hours taking it apart, then putting it back together. * It's more than OK if it needs repairs. Fixing is a goal. * They are always in...
by HueyLD
Sun Jan 21, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 1983

Re: Medical Appointment Cancellation Policies/Fees

I have absolutely no problems with professionals imposing no show fees. Having been on the receiving end for no shows, late shows, etc. without legitimate reasons/excuses really opened my eyes. In my experience, the client should call the office asking for forebearance of fees if the client has a le...
by HueyLD
Sun Jan 21, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Most inexpensive shipping option from US to Taiwan?
Replies: 5
Views: 342

Re: Most inexpensive shipping option from US to Taiwan?

6x3x3 in inches ia a very thick package.

Did you mean centimeters?
by HueyLD
Sun Jan 21, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Most inexpensive shipping option from US to Taiwan?
Replies: 5
Views: 342

Re: Most inexpensive shipping option from US to Taiwan?

If the shipping size is 6x3x3, I doubt that the OP can ship it USPS first class. There will be surcharges for the sheer size alone. Anyway, the USPS will very likely have the lowest package rate. In the old days, one could ship by boat for a relatively low price but a much longer shipping time. But ...
by HueyLD
Sun Jan 21, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 1564

Re: Xfinity broadband: should I try to negotiate a better deal?

Do you have just the Internet service?

I was able to get a "double play" bundle for a lower price than that for Internet alone.
by HueyLD
Sun Jan 21, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 7724

Re: Fear of dying with too much money?

I have no fear of dying with any money.

What’s wrong with sharing your money with the less fortunate? You can’t take it with you unless you want to bury your 3.5% paper I bonds with you.
by HueyLD
Sun Jan 21, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1065

Re: Turbotax Online vs CD/download

If you use the CD version, you do not need Premier to record investment returns. In fact, you only need the Basic CD version.
by HueyLD
Sat Jan 20, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1065

Re: Turbotax Online vs CD/download

I’ve always used Turbotax Deluxe CD version for my relatively simple (one W2 for each spouse, itemized deductions which I import from Its Deductible and only a few 1099-DIV forms) tax returns. This year, my understanding is that I will not be be to use the CD/download version because my old laptop ...
by HueyLD
Sat Jan 20, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1099-R IRA/SEP/SIMPLE box affecting refund
Replies: 52
Views: 1847

Re: Form 1099-R IRA/SEP/SIMPLE box affecting refund

To the OP Rob, You need to contact Intuit for their program error. I was able to duplicate your discrepancy and it looks like a programming bug by Intuit. I used the form mode and found on the "Tax & Int Wks" that TT added back the 59,970 as nontaxable income if the IRA box is unchecked. As a result...
by HueyLD
Sat Jan 20, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Per Stirpes
Replies: 15
Views: 2046

Re: Per Stirpes

If per stirpes is very important to you and you do not want a trust, then move your taxable money out of Vanguard into Fidelity.
by HueyLD
Fri Jan 19, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Per Stirpes
Replies: 15
Views: 2046

Re: Per Stirpes

I wonder why Vanguard allows "per stirpes" for IRAs, but not taxable accounts? Did your rep explain that to you?

Maybe Fidelity can accommodate your request.
by HueyLD
Fri Jan 19, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 44
Views: 2813

Re: Telemarketing calls from my own prefix

This has been going around apparently all over the country. I have received more than my fair share of such junk. And I even received calls from others indicating that I had called them earlier. I had to tell whomever that i didn't call even though the caller ID may have shown my number. I guess the...
by HueyLD
Fri Jan 19, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction in 2018
Replies: 16
Views: 2657

Re: Standard Deduction in 2018

FiveK,

Your link does not work.
by HueyLD
Fri Jan 19, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction in 2018
Replies: 16
Views: 2657

Re: Standard Deduction in 2018

The new tax law didn't eliminate the additional standard deduction for the aged and the blind. And the annual inflation adjustment pronouncement from the IRS is the gold standard. I am 99.999999% certain that the IRS' IRP from October 2017 will not change in that area. The only reason I am not 100% ...
by HueyLD
Fri Jan 19, 2018 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 145
Views: 12641

Re: Can We Retire in Hawaii? Please Critique

Ditto to Valuethinker’s comments above. I learned so much about Hawaii here that I had to get rid of all my erroneous perceptions about this wonderful and beautiful state. And it is obvious that merely spending a couple of weeks vacationing in a location doesn’t make one an expert of the suitability...
by HueyLD
Thu Jan 18, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: 529, taxes and school tax
Replies: 5
Views: 360

Re: 529, taxes and school tax

With the new rules regarding using 529 for K-12 education, I wanted to explore this scenario- I have 4 children enrolled in public school. I pay the county school tax that then sends the money to the school district. Can this be argued as a tuition payment to a public school? I can provide proof of...
by HueyLD
Thu Jan 18, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS form 8606
Replies: 2
Views: 305

Re: IRS form 8606

by HueyLD
Thu Jan 18, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Jan 2018 TIPS Auction
Replies: 17
Views: 1744

Re: Jan 2018 TIPS Auction

The auction result just came in.

Coupon rate = 0.50%; Adjusted price per $100 = 99.536480

https://treasurydirect.gov/instit/annce ... 0118_1.pdf
by HueyLD
Thu Jan 18, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7228

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Confused - not sure if it would make the topic more confused, but.. On opposite end the forum's well respected FinanceBuff is offering a service to help you find a low-cost investment advisor in your area. Interesting concept - I’m offering to be your personal scout to search and screen for advisor...
by HueyLD
Thu Jan 18, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7228

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

strafe wrote:
Thu Jan 18, 2018 7:33 am
HueyLD wrote:
Thu Jan 18, 2018 6:46 am
Why would any Boglehead pay so much money just to be told to fire his/her financial advisor?
Finance nerds / Bogleheads are clearly not the intended market.
I guess that makes Bogleheads smarter than the intended audience.
by HueyLD
Thu Jan 18, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 7228

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Why would any Boglehead pay so much money just to be told to fire his/her financial advisor?

As a capitalist, I think the money can be better utilized by investing in index funds.
by HueyLD
Tue Jan 16, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1290

Re: Vanguard account change

OP here: Thank you all. So, even though it was a joint account WROS, there would be a step up in basis? Mom isn't inheriting the account, per se, she's the same owner she always was. Right? It would be nice to get a step up in basis, but would that happen in this case? There is a basis step-up or d...
by HueyLD
Tue Jan 16, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1290

Re: Vanguard account change

That form is difficult for me and I handle our investments. I do not think I would be able to handle it in my late 70s/80s let alone my wife who has not been involved in asset basis concerns. How do they expect an elderly person without children to handle it when a spouse dies? I truly feel your pa...
by HueyLD
Tue Jan 16, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1290

Re: Vanguard account change

Vanguard has a specific form to change the ownership of an account due to death. Here is the link http://www.vanguard.com/pdf/s224.pdf Read the explanations and instructions carefully. They tell you everything you need to know in writing, including how they do basis step-up (or down as basis could g...
by HueyLD
Mon Jan 15, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction in 2018
Replies: 16
Views: 2657

Re: Standard Deduction in 2018

Tom,

The 2018 adjustment for the aged and the blind was announced in 2017 in IRP 17-58.
by HueyLD
Mon Jan 15, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction in 2018
Replies: 16
Views: 2657

Re: Standard Deduction in 2018

24,000+1300+1300=26,600.

1,250 was the 2017 amount and 1,300 is the 2018 amount.
by HueyLD
Mon Jan 15, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 109
Views: 8394

Re: TaxAct and alternatives

What special handling of foreign income is it? Is HRB not capable of handling it?
by HueyLD
Mon Jan 15, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3120

Re: PTO policy after international business travel

I have a lot of sympathy for OP's problem in adjusting to day/night time zone changes. It used to take me 2-3 days to recover from a trans-pacific flight. However, as I got older, the recovery time got longer and it takes 2-3 weeks nowadays. Not withstanding the longer recovery time, I always return...
by HueyLD
Mon Jan 15, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3120

Re: PTO policy after international business travel

Only the OP's employer can answer his question. I used to work for an international company and it had a dedicated team of employees who traveled more than half way across the globe. I don't recall that they got more than a day or two off after each trip. The wear and tear was obvious as most of the...
by HueyLD
Mon Jan 15, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2985

Re: Any high-end skincare products worth it?

linenfort wrote:
Mon Jan 15, 2018 6:08 am
My wife uses high end stuff ~~ Lancôme, Shiseido, something written in Hangul — and I won’t stop her, but I suspect she just has good DNA.
It appears that your wife shares a similar preference with a lot of Taiwanese and Japanese.

And she probably has very good genes.
by HueyLD
Mon Jan 15, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Electronic delivery of forms
Replies: 6
Views: 360

Re: Electronic delivery of forms

Yes, my non-Vanguard brokerage accepts upload of images.

However, I have no objection over using fax.
by HueyLD
Mon Jan 15, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 173
Views: 11509

Re: Stats on When People Take Social Security

I think the vast vast majority of people took social security benefit before the age of 70 due to a combination of factors and not all of them are financial. (1). They needed the money for food. (2). They waited a long time for the money and they wanted to have it as soon as possible. Show me the mo...
by HueyLD
Sun Jan 14, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 160
Views: 18305

Re: TurboTax Prices

I dislike Intuit's confusing pricing schemes. I would have left had I not received major discount on TT.
by HueyLD
Sun Jan 14, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Jan 2018 TIPS Auction
Replies: 17
Views: 1744

Re: Jan 2018 TIPS Auction

antiqueman wrote:
Sat Jan 13, 2018 8:44 pm
Anyone considering buying at the 10 year tips auction next week?

Based on the yield of the current tips maturing in 2028, the yield next week should be between.50 and.60.
Fidelity's current YTW is 0.57% and that's usually a good estimate of the auction yield.
by HueyLD
Sat Jan 13, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pub 590B [Uniform Lifetime Table update?]
Replies: 5
Views: 347

Re: Pub 590B

I have not heard or read anything about changes in IRS tables.

I am 99.99% sure that the tables won't change.
by HueyLD
Sat Jan 13, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: New 529 rules -- One state plan's response
Replies: 12
Views: 1023

Re: New 529 rules -- One state plan's response

States are under no obligation to follow the federal tax law and it has been this way for decades.

I have always lived in a state with various adjustments between the federal and state returns due to differences in tax laws.
by HueyLD
Sat Jan 13, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Variable annuity and ACA subsidy
Replies: 12
Views: 621

Re: Variable annuity and ACA subsidy

For a relatively short time horizon and $30k a year, I think VVA is a fine choice.

Depending on your parents risk tolerance level, you may want to pick the funds carefully to minimize the risk of substantial decline when they are ready to take the money out.
by HueyLD
Sat Jan 13, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction in 2018
Replies: 16
Views: 2657

Re: Standard Deduction in 2018

I read somewhere that the standard deduction for 2018, for tax returns filed in 2019, for individuals over 65 is actually $26,600 instead of $24,000. Does anyone know if this is true? Thanks :sharebeer The TCJA did not eliminate the additional standard deduction for the aged and the blind. Accordin...
by HueyLD
Sat Jan 13, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Variable annuity and ACA subsidy
Replies: 12
Views: 621

Re: Variable annuity and ACA subsidy

Surrender charge is one thing to pay attention to. “If the investor withdraws money from a variable annuity within a certain period after a purchase payment (typically within six to eight years, but sometimes as long as 10 years), the insurance company will usually assess a type of sales charge know...
by HueyLD
Sat Jan 13, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: New 529 rules -- One state plan's response
Replies: 12
Views: 1023

Re: New 529 rules -- One state plan's response

Rudy,

The TCJA did not change the rules for qualified post secondary education.